Public Adjusters in Missouri

Yes. Under Missouri law, you cannot act as a public adjuster or public adjuster solicitor — or receive compensation for adjusting claims — unless you first obtain a license from the Missouri Department of Insurance (also known as the Department of Commerce and Insurance). This requirement is set out in Missouri Revised Statutes § 325.015.

A “public adjuster” in Missouri is defined as any person, partnership, association, or corporation that engages in the adjustment or settlement of insurance claims for losses arising under fire or allied lines of insurance on behalf of an insured. Attorneys and certain other insurance professionals are excluded from this definition.

• Reviews your insurance policy and coverage provisions
• Inspects and documents property damage
• Prepares and submits your claim to your insurance company
• Communicates and negotiates with the insurer on your behalf to pursue a fair settlement

• Submit an application and pay the required fee to the Missouri Department of Insurance.
• Pass the state licensing exam administered through Pearson VUE (typically required).
• Purchase and maintain a surety bond — $10,000 for a licensed public adjuster, while public adjuster solicitors carry a $1,000 bond.

• Public adjusters generally may not charge more than 20% of the insurance claim payment for their services in most circumstances.
• There are exceptions, such as claims made within a period after a declared emergency.

A public adjuster contract in Missouri must be in writing and outline the services to be performed, compensation terms, and your consent to representation. You should also be informed of any rights regarding contract cancellation or withdrawal of representation.

(While specific contract rules for Missouri aren’t fully detailed in searchable state regulations, a written contract with clear compensation terms is required by insurance practice standards.)

No. Missouri law prohibits licensed public adjusters from performing restoration or repair work on property they represent. Acting as both a public adjuster and a contractor — or negotiating claims for a contractor’s clients — would create a conflict of interest under the rules.

• You’ve experienced substantial property damage (storm, fire, water, hail, etc.).
• You feel your insurer’s offer is too low or doesn’t reflect actual loss.
• You want professional help navigating documentation, deadlines, and negotiations.